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Terms and conditions apply

Balance transfer rate for 12 months with 2% balance transfer fee: 0% p.a.
Purchase rate for the first 12 months (reverts to 12.99%): 0% p.a.
Annual fee: $49 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

A low-cost credit card offering 0% interest on purchases and balance transfers for 12 months, with a 2% balance transfer fee.

The Bankwest Breeze Mastercard offers you a way to save on new and existing credit card costs, with 0% interest on purchases and balance transfers for 12 months.

If you plan to transfer a balance from another credit card, keep in mind that the Bankwest Breeze charges a balance transfer fee worth 2% of the debt you move to this card. As an example, this fee would be $100 for a $5,000 balance transfer. Be sure to factor this in when comparing cards. It also has a lower ongoing balance transfer interest rate than many other cards, currently 12.99% p.a. But it's still worth considering whether the introductory period will give you enough time to pay off your existing balance – as there are longer balance transfer offers on the market (if that's your main goal).

Pros

0% p.a. on purchases for 12 months, then 12.99% p.a.
0% p.a. on balance transfers for 12 months
Digital card issued upon approval

Cons

Charges a 2% balance transfer fee
Charges a 2.95% foreign transaction fee

The Bankwest Breeze Classic Mastercard is a simple, low rate credit card that currently offers new customers 0% p.a. interest for 12 months on purchases and balance transfers, with a 2% balance transfer fee.

At the end of the introductory period, any remaining balance transfer debt will attract the 12.99% p.a. balance transfer interest rate, which is low when compared to most other balance transfer cards on the market. A low 12.99% p.a. interest rate also applies to purchases after the introductory period.

Details

Product details

Product Name	Bankwest Breeze Classic Mastercard
Balance transfer rate p.a.	0% for 12 months with 2% balance transfer fee, then 12.99%
Balance transfer limit	95% of available limit
Purchase rate p.a.	0% for 12 months, then 12.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$1,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Minimum income	$15,000
Joint application	No

Rewards

Bonus points

N/A

Fees

Annual fee	$49
Minimum monthly repayment	2% of the closing balance or $20, whichever is greater
Late payment fee	$25
Foreign currency conversion fee	2.95%
Cash advance fee	3% or $4, whichever is greater
Overseas cash advance fee	3% or $4, whichever is greater
Overseas ATM withdrawal fee	$4
Additional cardholder fee	$0
Number of additional cardholders	3

How to apply

You can apply for the Bankwest Breeze Mastercard online in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation ready to go.

Eligibility criteria

Minimum income. You must earn at least $15,000 per year.
New customers. The introductory offers on this card are only available to new customers.

Eligible balance transfer. Balances cannot be transferred from existing Bankwest-branded credit cards. You can transfer from $500 up to 95% of your credit limit.
Residency. This card is available to permanent Australian residents or citizens.
Age. You must be at least 18 years of age.

Required documents

Personal information. This includes your full name, date of birth, residential address, email address and contact number.
Proof of identification. You'll be asked to provide copies of your passport, driver’s licence or Medicare card to verify your identity.
Employment details. This includes your role, the length of your employment and your employer's contact details.
Financial information. This includes details of your income, expenses and any existing debts or assets.

Go to Bankwest's site More info

Card benefits

0% balance transfer offer. This card offers 0% p.a. interest on balance transfers for the first 12 months, with a 2% balance transfer fee. After that, any remaining balance will attract the card's 12.99% p.a. balance transfer rate. While there is no specified date that this offer will end, it's only available for a limited time. Also be aware that you still need to meet the card's repayment requirements during the introductory period.
0% purchase rate offer. You'll pay 0% p.a. interest on new purchases for the first 12 months you have this card. After that, a purchase rate of 12.99% p.a. applies to your purchase balance. Note that you still need to meet repayment requirements during the interest-free period.

Digital card and early account access. 24 hours after you've been approved, you can log into the Bankwest app to activate and start using a digital version of your card before your physical card arrives in the mail.
Low minimum credit limit. If you're looking to keep your spending contained, the Breeze comes with a low minimum credit limit of $1,000.
Mobile wallets and contactless payments. This card can be linked to Apple Pay, Samsung Pay and Google Pay, available on compatible devices.

Rates & fees

Annual fee. This card charges a $49 annual fee.
Cash advance interest rate. This card has a cash advance rate of 21.99% p.a., which is applied from the time the transaction is made.

Cash advance fee. If you use your card for a cash advance transaction (such as an ATM withdrawal), you'll be charged 3% of the transaction amount or $4 (whichever is greater).
Purchase rate. Outside of any promotions, this card has a purchase rate of 12.99% p.a.
Interest-free days. You can get up to 55 days interest-free on purchases when you pay your balance in full by the due date (or if you have an easy instalment on which you are meeting the monthly amount).
Supplementary cards. You can request up to 3 additional cardholders for $0 each. Supplementary cardholder applications are subject to approval and the primary cardholder will still be responsible for keeping the account in good standing.

Go to Bankwest's site More info

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Amy Finder

Editor

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Raymond

September 25, 2023

Hello Amy,

I wonder if the age pension is considered as constituting a valid source of income within the context of an application for this card.

[REDACTED]

Wondering if an application like this would be acceptable.

Thank you,

Raymond

Amy Bradney-George Finder

September 28, 2023

Hi Raymond,

Bankwest accepts credit card applications from people who receive the pension. For proof of income, you would need to provide your most recent pension statement with details of current payments. You would also need to meet the other eligibility requirements and provide all the requested information about your circumstances – we’ve included some details about it on this review. If you have more specific questions about applying for this card, you can also contact Bankwest on 13 17 19. I hope this helps.

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Anita

August 11, 2023

Currently gone from fulltime to casual work.

Will I be eligible for a credit card as bank up for travel?

What are my options ?

Amy Bradney-George Finder

August 14, 2023

Hi Anita,

You would need to show a regular income of over $15,000 per year to be eligible for this card, which could include payslips from casual work. But if your work situation has recently changed, you may want to call Bankwest on 13 17 19 to discuss your situation in regards to applying for this card. Finder also has a guide to low income credit cards, which has insights about credit card income requirements that may be of assistance. I hope that helps.

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Ankit

August 02, 2023

Hi, I have a personal loan with an outstanding amount of approx $9400. Can you please suggest me a good balance transfer credit card which also do balance transfer for personal loans?

Many thanks,

Ankit

Amy Bradney-George Finder

August 04, 2023

Hi Ankit,

Please keep in mind that Finder only provides general advice and factual information. But you can compare credit cards that allow balance transfers from personal loans in Finder’s guide, which also includes more details and insights that may be of assistance. I hope this helps.

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Brooke

August 02, 2023

Hi there,

Wondering if I can transfer my husband’s credit card debt as a balance transfer to this card if his card is solely in his name? Thank you.

Amy Bradney-George Finder

August 07, 2023

Hi Brooke,

According to the Bankwest balance transfer terms and conditions, you can request a balance transfer for your husband if he is added as an additional cardholder on the Bankwest card. The balance would also need to be from a non-Bankwest Australian credit card or store card. I hope this helps.

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Bailey

August 01, 2023

Hi,

I’m a full-time student who works casually at a workplace since March. So far, I’ve made approx $10k gross working there, though work less now. I also receive centrelink payments each fortnight.

Concerns are, work is ‘casual’ not ‘part-time’, but I work consistently every week, regular shifts each week.

Wondering how this would affect an application?

Thank you

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Amy Bradney-George Finder

August 07, 2023

Hi Bailey,

The wording on the Bankwest website is “regular income of over $15,000 a year”, rather than “part-time” or anything else. So you would need to provide evidence of that. But it’s a good idea to call Bankwest on 13 17 19 to discuss your situation, as you’ve been working with your current employer for less than a year. Finder also has a guide on student credit card options with more details specific to students. I hope this helps.

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Bankwest Breeze Classic Mastercard

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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